Kearny Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.08 percentage points higher than in Q1 2026, at 107.01%. Within New Jersey, Kearny Bank is 12th of 49 on loan-to-deposit ratio, 102.52% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Kearny Bank sits 14.32 points higher, at 102.52% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | 1.30% |
| Cash and securities | $1.17B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $1.17B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 15.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.52% |
| Net loans and leases to deposits | 101.73% |
| Loans and leases to core deposits | 107.01% |
| Core deposits to total deposits | 82.61% |
| Brokered deposits to total deposits | 13.20% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 104.61% | 84.67% | $0 | $1.65B |
| Q4 2023 | 107.31% | 86.92% | $0 | $1.69B |
| Q1 2024 | 109.76% | 87.74% | $0 | $1.75B |
| Q2 2024 | 110.42% | 87.83% | $0 | $1.73B |
| Q3 2024 | 105.29% | 82.46% | $270.0M | $1.23B |
| Q4 2024 | 101.70% | 83.30% | $0 | $1.28B |
| Q1 2025 | 101.99% | 83.36% | $0 | $1.24B |
| Q2 2025 | 102.03% | 82.80% | $0 | $1.28B |
| Q3 2025 | 102.10% | 82.62% | $0 | $1.23B |
| Q4 2025 | 100.45% | 83.02% | $0 | $1.12B |
| Q1 2026 | 100.62% | 82.73% | $0 | $1.08B |
| Q2 2026 | 102.52% | 82.61% | $0 | $1.17B |
Kearny Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Kearny Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Kearny Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28765) · FFIEC NIC profile (RSSD 633378)